Who has the cheapest insurance?

Who has cheapest insurance depends on type of insurance, location, driver profile, and coverage needs, but generally among large auto insurers in United States, companies often cited for low rates include GEICO, Progressive, State Farm, and USAA for military families. GEICO is known for competitive rates for good drivers, Progressive for drivers with minor violations due to comparison tool, State Farm for drivers with good credit and homeowners bundling, and regional insurers like Auto-Owners or Erie Insurance often beat national averages in states they serve. For cheapest rates, factors matter more than brand, maintaining clean driving record, good credit, low mileage, bundling home and auto, raising deductible, and taking defensive driving discounts reduce cost. For high risk drivers, nonstandard insurers like The General or Dairyland may be cheapest available option. To find cheapest for you, get quotes from at least three to five companies, compare same coverage limits, and check independent agents who can quote multiple carriers. Cheapest varies yearly as companies adjust pricing by state.